Insurance & Financing

If you have insurance:

MIRI Women’s Health proudly accepts most major insurance PPO plans and is happy to check your insurance benefits to estimate your out-of-pocket cost. Your patient coordinator can verify this information free of charge and is here to help you every step of the way.

If you are a self-pay patient:

You will receive a total cost up front with no hidden fees and no surprises.

Ways to Finance Your Surgery

Insurance Coverage: After You Reach Your Deductible

The timing of your surgery can help your medical costs. Once you have reached your health insurance deductible for the year, your insurance plan may cover a large percentage of your medical expenses. So, by scheduling your surgery in a year when you have other medical costs, you can save thousands of dollars that you would otherwise need to pay out-of-pocket.

Flexible Spending Account

Most employers offer a Flexible Spending Account (FSA), which allows you to spend up to $2,500 of your saved earnings on healthcare without paying income taxes on that portion. Bariatric procedures are typically eligible for FSA funds.

Medical Financing

MIRI Women’s Health has partnered with Lending Club to finance procedures with a low, fixed rate personal loan. The application process is simple and approval is fast.

You can shop around for other loans to get the best interest rate possible. Some patients have found low-interest financing through a home equity loan or credit union.

Bankrate.com

A website like Bankrate.com may help to simplify your search, by allowing you to compare financing options and to receive a quote from multiple lenders at once. You can also apply for a promotional credit card with zero or low-interest rates. Please use such short-term rates carefully: when the offer expires, your interest rate can rise dramatically.

Retirement Fund Distribution

Many retirement plans have an option for a “hardship distribution,” which may allow you to draw out funds without penalty if the funds will cover an immediate and critical need. You may need to demonstrate that the procedure is essential to maintain your employment or is necessary in another way. Such retirement plans include a 401(k), 403(b) and 457(b), and may extend to other retirement investments.

Friends and Family

Your friends and family have seen you struggle, so let them be a part of your journey. Rather than bringing gifts to your next birthday or holiday celebration, they can make donations to help pay for your surgery. A website like GoGetFunding.com allows you to create your own fundraising cause and keep 96.5 percent of all money raised, regardless of whether you hit your target or not.

Please call 972.685.7375 to set up a consultation, or fill out the form to the right to be contacted by one of our patient coordinators.